I can see two obvious solutions to this. One would be to require insurers to prove bad faith when using a form error to deny a claim. Honest mistakes should not

I can see two obvious solutions to this. One would be to require insurers to prove bad faith when using a form error to deny a claim. Honest mistakes should not result in denied claims. Another would be to have a statute of limitations, where the insurer has, say, three months to find and point out any mistakes, and after that they’re stuck with what they have.